Milwaukee Car Insurance

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Wisconsin has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Milwaukee typically pay around $127.39 per month compared to the national average of $146.47 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

Milwaukee, WI Best Car Insurance Companies

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, USAA generally has the most affordable car insurance in Milwaukee coming in around $74.05 per month. Other companies to consider if you live in Milwaukee is SECURA Insurance with an average cost of $109.91 per month and Partners Mutual Insurance Co which typically runs around $120.67 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Milwaukee.

How Much is Car Insurance in Milwaukee, WI?

Rates can vary from city to city. The residents of Appleton typically pay $78.75 per month while people who live in Brookfield will pay $102.51 per month on average. See what people pay for car insurance in other cities in Wisconsin.

Cheap Car Insurance in Milwaukee by Zip Codes

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Wisconsin. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Car Insurance Rates by Driver's Age Group in Milwaukee

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $255.07 per month in Milwaukee. Compare that to drivers in their 30’s who typically pay around $122.93 per month drivers in their 40s at $115.07 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Cheapest Insurance for Teenage Drivers in Milwaukee

If you are teen in Milwaukee you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, USAA typically charges around $140.22 per month. This is likely the most affordable option in Milwaukee. You might also want to consider Partners Mutual Insurance Co and SECURA Insurance who also offer good affordable policies for teen drivers.

Cheapest Insurance for 20 Year-olds in Milwaukee

20 year-olds in Milwaukee might want to consider USAA who, on average, offers car insurance rates around $99.22 per month. Clearcover , Partners Mutual Insurance Co , SECURA Insurance and American Family are also in the top 5 cheapest rates available.

Cheapest Insurance for 30 Year-olds in Milwaukee

If you are in your 30s in Milwaukee our research has found that USAA typically has the most affordable coverage coming in around $71.02 per month, followed by SECURA Insurance at $105.61 and Clearcover at $110.68.

Cheapest Insurance for 40 Year-olds in Milwaukee

On average, USAA offers car insurance for 40 year-olds in Milwaukee for around $65.01 per month. If you are looking for affordable coverage, you may also want to consider SECURA Insurance or American Family. The full list of top companies is below.

Cheapest Insurance for 50 Year-olds in Milwaukee

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Milwaukee we found that USAA generally offers the most affordable coverage at $60.16 per month.

Cheapest Insurance for 60 Year-olds in Milwaukee

If you live in Milwaukee and you’re in your 60s, our data indicates that USAA usually has the best rates at $57.74 per month. The top 5 list of car insurance companies is below.

Driver's Coverage Auto Insurance Rates in Milwaukee, WI

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Milwaukee, the average monthly rate for a driver who is currently insured is $121.20 while drivers who are not currently covered will pay around $134.05.

Compare Recent Car Insurance Quotes in Milwaukee

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Milwaukee a driver of a 2017 Lexus Nx can expect to pay around $512.25 per month while someone that owns a 2002 Toyota Camry may pay around $69.25 per month. Check out the list of recent quotes in Milwaukee below.

FAQ's for Drivers in Milwaukee, WI

What Is the Minimum Amount of Liability Coverage Requirement in Milwaukee?

According to the Wisconsin Department of Transportation, drivers must have a liability policy with adequate insurance. The minimum limits are:

• Bodily Injury Liability Coverage: $25,000 (one person)
• Bodily Injury Liability Coverage (two or more people): $50,000
• Property Damage Liability Coverage: $10,000

Wisconsin's minimum requirements may not provide enough coverage if you're at-fault in a car wreck. You may need additional insurance, especially if you have expensive assets. SmartFinancial can help you find affordable car insurance to protect you in case the worst happens. Enter your zip code and fill out a brief form to get started. There's no fee to compare quotes and you're not obligated to buy or even put down a credit card.

What Is the Blood Alcohol Concentration (BAC) Limit in Milwaukee?

According to the State of Wisconsin Department of Transportation, Driving Under the Influence means you had alcohol, drugs or other illegal substances in your system while operating an automobile. In Wisconsin, drivers can receive an Operating While Intoxicated (OWI) conviction if they have the following blood alcohol concentration (BAC):

• Blood/Breath Alcohol Concentration of 0.08 percent or greater while under the influence of an intoxicant
• Driving with a detectable amount of restricted controlled substance in his or her blood
• Driving Under the Influence of a controlled substance or other drugs
• Zero Tolerance (drivers under 21 years old)
• Drivers with Three or more OWI Convictions: .02 BAC

If you have an OWI or DUI on your record, it can significantly increase your auto insurance rates. SmartFinancial can help you find a more forgiving insurer that offers lower insurance rates. Start your free search by entering your zip code and filling out the form on our page.

Can I Register My Car Without Insurance in Milwaukee?

Yes, you can register your car before you buy car insurance in Milwaukee. There is no requirement in Wisconsin to provide proof of insurance when you get a driver's license or register your vehicle. Individuals must produce this information only when the DMV asks for it. The state also requires it when drivers reinstate their licenses after a suspension or revocation.

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